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Author:Scalise, Joseph M. 

Conference Paper
The effects of bank mergers and acquisitions on small business lending

Proceedings , Paper 549

Working Paper
Did U.S. bank supervisors get tougher during the credit crunch? Did they get easier during the banking boom? Did it matter to bank lending?

We test three hypotheses regarding changes in supervisory "toughness" and their effects on bank lending. The data provide modest support for all three hypotheses that there was an increase in toughness during the credit crunch period (1989-1992), that there was a decline in toughness during the boom period (1993-1998), and that changes in toughness, if they occurred, affected bank lending. However, all of the measured effects are small, with 1% or less of loans receiving harsher or easier classification, about 3% of banks receiving better or worse CAMEL ratings, and bank lending being ...
Finance and Economics Discussion Series , Paper 2000-39

Working Paper
The effects of bank mergers and acquisitions on small business lending

We examine the effects of over 6,000 M&As involving more than 10,000 banks on small business lending. We are the first to decompose the impact of M&As into static effects associated with a simple melding of the antecedent institutions and dynamic effects associated with post-M&A refocusing of the consolidated institution. We are also the first to estimate the reactions of other local banks to M&As. We find that the static effects that reduce small business lending are mostly offset by the reactions of other banks and, in some cases, also by the refocused efforts of the consolidating ...
Finance and Economics Discussion Series , Paper 1997-28

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Bank loans 3 items

Bank mergers 2 items

Small business 2 items

Bank supervision 1 items

Commercial loans 1 items

Credit 1 items

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